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Post by terresrouges on Jan 18, 2017 17:41:13 GMT
Hello I just created my account
I have a few questions ;
only way of investing is through the "portafolio manager"?
is it possible to list the loans before investing? how?
is it possible to select loans in function of their term, current vs delayed?
buyback guarantee is applicable for all the loans?
Thanks in advance
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Post by oktaeder on Jan 18, 2017 20:59:06 GMT
Hello I just created my account I have a few questions ; only way of investing is through the "portafolio manager"? ->Yes is it possible to list the loans before investing? how? -> No is it possible to select loans in function of their term, current vs delayed? -> No, oly on 2nd market buyback guarantee is applicable for all the loans? -> No, not at all!!
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Post by terresrouges on Jan 18, 2017 21:42:46 GMT
And how to access to the secondary market? I don't see it, or maybe do I need to have funds in order to see it? I am waiting for my funds. Thanks in advance
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Post by coolrunning on Jan 18, 2017 22:13:14 GMT
The Sec Market should be on the left of your screen. Maybe the sidebar is closed. Look for a way to open a sidebar. Or try: www.bondora.com/en/secondmarket?search=SearchProceed with great caution and do not believe what Bondora says. But it is still just about possible to make money. Good luck. |
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jay
Posts: 46 
Likes: 18
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Post by jay on Jan 18, 2017 23:37:54 GMT
Hello I just created my account I have a few questions ; only way of investing is through the "portafolio manager"? is it possible to list the loans before investing? how? is it possible to select loans in function of their term, current vs delayed? buyback guarantee is applicable for all the loans? Thanks in advance Is it your first investment involving P2P ? If it is be extremely careful with that company. Do not believe the stats either. Only way to invest is by the portfolio manager for very good reasons. Once upon a time you had the choice, estonian loans were yielding a good 14% and probably still do, however the new markets had horrifying default rates .Probably by lack of background check and will to grow up very fast, they never explained nor apologized. After such experiments with our money and dreadfull losses , no one wanted those new markets loans anymore of course. The official forums were so full of negativity they had to close them so you cant check the history . So they denied any choices an pack those toxic loans amongst the good loans.... I state it again, be extremely careful, try very small amounts and wait more than one year to see the results.Maybe its better now, not really hard tbh, maybe they improve, but i am certainly not going to try again . If you are experienced, have plenty of money to risk , dont care of the huge potential loss, then disregard my advice, go for it.
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Post by rahafoorum on Jan 19, 2017 15:27:08 GMT
Once upon a time you had the choice, estonian loans were yielding a good 14% and probably still do... It's relatively hard to determine this, so I haven't bothered to put in the effort. However, you can be pretty sure that the most negative effect on returns from these new DCA processes is occurring on Estonian loans where majority of loans used to recover from 7 day overdue on their own even before DCA intervention (and the associated cost) was added. In addition, compared to the days in the past, EST loans had a higher interest rate, which was lowered more than once last year. In short, I wouldn't make any meaningful conclusions based on the past and I wouldn't be too sure that the EST loans today are that good of an investment compared to others.
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kulerucket
Member of DD Central
Posts: 336
Likes: 93
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Post by kulerucket on Jan 19, 2017 17:59:45 GMT
I state it again, be extremely careful, try very small amounts and wait more than one year to see the results.Maybe its better now, not really hard tbh, maybe they improve, but i am certainly not going to try again . This is almost precisely what I have done now. I read all of the bad comments about the changes and history, but I have also read that things might have improved. I've stuck 500€ in there and let the PM fill up with 5€ loans. Then I disabled it. I will now wait and see what the performance is over a year. And shift funds out as loans are paid off to get a more accurate XIRR. I'll probably report the results here once it's run for long enough to get at least anecdotal results for people to see.
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Post by wizzen on Jan 23, 2017 11:06:23 GMT
terresrouges: First of all be very very careful with PM settings. Go conservative/ultra-conservative and check what type of loans you will get. Invest smaller amounts 1k€ is more than enough for testing. However, your invested money would be better on some buyback P2P platforms like Twino.
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